Someone once said that one of the major sources
of stress in modern life is due to a lack of organization. We will spend hours doing a task that should have taken
only minutes because we did not take the time previously to get ourselves organized. Here are some tips, from a
homeowner's perspective, on getting an organized grip on the "experience" of owning a home.
One of the first things that you can do is to organize all of your house records so they are quickly accessible
when you need them. For example, you should develop a list of all of your important house information so that
when a question such as "what is our mortgage loan number?" arises, you will not be scrambling to find
the information. Here are some tips for getting your life as a homeowner organized:
Plan major purchases in advance and save for them so that you can pay
cash rather than adding to your credit card debt.
Keep an eye on your credit report. Not only will it help give you a clear
idea of where your money is going now, you have the opportunity to clear up mistakes and inaccuracies. You can
get a free copy
of your credit report here.
Consolidate as much debt as possible into the lowest interest rate loan
or card, rather than having numerous small accounts, all of which have minimum payments.
Plan your meals a week in advance and shop accordingly.
Coordinate your shopping trips--make one trip to three or four stores
in the same trip rather than three or four separate ones.